Non-Profit Credit Counseling Available Free Or Low-Cost

A nonprofit credit counselor is available through the National Foundation for Credit Counseling at nfcc.org or call 833-746-7578

Their services are either completely free or very low cost, depending on your situation. They’ll work with you to build a budget from you income and expenses, and they can negotiate directly with your credit card companies. It's very common for them to be able to slash high interest rates which average around 25%  down to a much lower rate.

If you set up a debt management plan through them, it will call for making one monthly payment to the credit counselor, and they’ll then distribute the money to all your credit cards. Best of all, these plans are specifically designed to get you completely debt-free in 36 to 60 months